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Before you decide on hiring a lawyer to handle your important TSGLI claim, be sure to ask these questions:
- Does your TSGLI attorney have more than 25 years of litigation and settlement experience?
- Does your attorney have extensive prior military experience ?
- Does your attorney have extensive experience in successfully handling hundreds of TSGLI Claims?
- How long has the law firm, that you are considering to handle your important legal matters, been in business?
I would like to thank Mr William Muhr and his professional staff especially Ms. Marizza Plaza-Lopez and Ms. Linda King for their assistance and support in filling my TSGLI claim. I was injured in a combat helicopter crash in Iraq. After submitting my claim 3 times myself and another time contacting my congressmen to no avail, I hired William Muhr LLP. They promptly took on my case and achieved positive results in minimal time. I am extremely grateful for them, as they were able to achieve favorable results nor I or my congressmen could. Wounded warriors should not have to fight to receive benefits they earned shedding blood for our wonderful nation. But if they do, it’s nice to know the great people at William Murh are there to help! Thank guys! -PC
William Muhr, Esq. has 22 years of prior military service and retired from military as a certified military judge. William Muhr has also been actively practicing law in good standing since 1985 and has experience in settling and litigating hundreds of millions of dollars of claims in last 27 consecutive years.
Since 1988, William Muhr, Attorneys & Counselors At Law,, LLP has handled personal injury cases whereby we seek full and just compensation for injuries that you suffered as a result of accident or traumatic event caused by another.
William Muhr, Attorneys & Counselors At Law, LLP is the leading law firm in the United States that brought a Class Action lawsuit on behalf of service members in the 10th Federal Circuit.
Our Law firm’s class action counsel, Dan Rector, Esq. has over 30 years of legal experience and has successfully brought numerous class action lawsuits over the last decade of practice.
Mr. Muhr’s law firm represents numerous TSGLI clients throughout the United States and is dedicated to effective, professional representation.
Traumatic Servicemembers Group Life Insurance, commonly referred to as “TSGLI”, is an insurance policy available to members of the United States Military. TSGLI covers military members in the event that they experience a traumatic injury. “Traumatic” is defined by the policy guidelines as “any injury caused by an external force”. Some examples of this would be an IED explosion, a car accident, or even falling and hitting a knee on the ground.
TSGLI coverage includes all incidents from October 7, 2001 to the present. Furthermore, service members are covered 24 hours a day regardless of if they’re on-duty or not. It encompasses all branches of the military and is available to all service members.
Unfortunately, one classification of injury is seeing its claims denied with alarming frequency. Claims considered “Other Traumatic Injury” (OTI) are turned away 53% of the time despite the fact that the injured parties are meeting the threshold to be reimbursed. At William Muhr, Attorneys & Counselors At Law, LLP we respect our troops’ commitment to our country and we want to help right this injustice.
OTIs are eligible claims if they’ve affected two of the following six Activities of Daily Living:
- Eating – Examples: Trouble lifting a glass; unable to move food to mouth; need assistance to eat; etc.
- Transferring – Examples: Difficulties walking; unable to get in and out of bed; unable to go up and down stairs; etc.
- Dressing – Examples: Need assistance putting on clothing; can’t put on pants, socks, or shoes due to difficulties bending; etc.
- Toileting – Examples: Need assistance to use a toilet; unable to either stand or sit at a toilet; etc.
- Continence – Examples: Unable to control bladder; need a caregiver to assist with accidents; etc.
- Bathing – Examples: Can’t wash self; need assistance getting in and out of the shower/bathtub; etc.
If you or a loved one needs even a little help performing just two of these six activities, you have a TSGLI claim.
TSGLI 8 Step Process
- Seek treatment as soon as possible for your traumatic injury (must have been caused by an external force). Without treatment, there is no medical evidence and or medical documentation to substantiate the scheduled loss that you will be claiming.
- Concentrate on treating your injury and improving you current health.
- Review the TSGLI Procedures Guide Manual and/or supporting documentation detailing TSGLI scheduled losses and minimum standards and requirements for qualifying for TSGLI payments. (see qualifying losses or scheduled losses).
- After careful review and determination regarding meeting TSGLI criteria, initiate the process of filing a claim or application for benefits. This process can be started by downloading the SGLV-8600, Application for Benefits. The form can be requested via email at firstname.lastname@example.org, calling 1-800-934-4529 (4 LAW), downloading from the Veterans Affairs website, or contacting your branch of service TSGLI point of contact.
Please read the application instructions carefully:
1. Part A is to be completed by the service member
2. Part B is to be completed by the attending medical professional(see medical professional criteria).
- Submit the completed application and all supporting documentation (medical records, hospital discharge summaries, affidavits, surgical reports, police reports, line of duty reports, proof of loss, orders, witness statements) to the appropriate branch of service TSGLI office that is listed on the first page of the application.
- The submission or loss will be reviewed by a “certifying official” for each branch of service. The certifying official will code the disposition of losses claimed under Part C of the application which is supplied by the branch of service.
- Await a decision from the branch of service (usually takes approximately 30-60 days from date the submission was received).
- Depending on the TSGLI benefit being extended or denied, payment may be received upon 1 of the 3 ways that was previously designated by the service member under Part A of the TSGLI application. In the event the TSGLI benefit was denied, the service member may file an appeal with within one year of the date of decision (see attached process for appealing TSGLI decisions).
What is TSGLI?
TSGLI is an acronym for Traumatic Servicemembers Group Life Insurance. This program was implemented on May 11, 2005, signed by President Barack Obama as The Emergency Supplemental Appropriations Act for Defense, the Global War on Terror, and Tsunami Relief, which officially launched the TSGLI program. The program falls under the umbrella of SGLI, better known as the Servicemembers Group Life Insurance, with a primary focus on the many Servicemembers who have experienced a traumatic injury. A qualified applicant can be compensated for their traumatic injury.
What is the Purpose behind TSGLI Compensation?
The purpose behind TSGLI compensation is to attempt to place the Servicemember and their families in as much a similar position as possible by providing financial support as they recover from suffering a qualified loss under TSGLI.
How much Coverage is Available to Servicemembers?
The minimum amount of coverage advanced to qualifying Servicemembers is $25,000 with a maximum payout of $100,000. The payments are afforded to Servicemembers in the following quantities depending on the qualifying loss: $25,000; $50,000; $75,000; and $100,000.
How does a Servicemember know if he/she is covered under the TSGLI program?
The Servicemember is covered under TSGLI as long as he/she has insurance coverage under SGLI, which officially became law as of December 1, 2005. In other words, once a Servicemember is covered under SGLI, TSGLI benefits automatically become available with only an additional $1.00 being deducted from the Servicemembers’ pay. A prudent amendment has been applied since the instigation of the TSGLI program, namely that TSGLI benefits are offered to Servicemembers who were the victim of a traumatic injury between October 7, 2001 and November 30, 2005 as long as the injury was incurred in Operation Enduring Freedom (OEF) or in Operation Iraqi Freedom (OIF). It is important to note that this specific time period does not require the Servicemember to have had existing coverage under SGLI.
Is there an additional cost specifically for TSGLI coverage?
As enumerated above, the cost is automatically deducted from the Servicemember’s pay as the total amount of premium required. This amount is $1.00 inclusive of any and all associated fees when paying an insurance premium. However, Servicemembers have the option of upgrading their SGLI coverage up to $400,000. If so desired, their premium will be $27.00 monthly.
Has the passing of the Veteran’s Benefit Improvement Act of 2010 had any impact on TSGLI?
Yes, when President Obama signed this important piece of legislation, the SGLI coverage was extended to Servicemembers that are wholly disabled based on a recognized disability rating, to include two additional years after the time of service has expired. Additionally, this Act provided a retroactive payment during the time period as noted above: October 7, 2001 to November 30, 2005, without regard to where the traumatic injury occurred. Essentially, it removed the stipulation that the traumatic injury must have occurred at either OEF or OIF. These improvements were realized on October 1, 2001.
Are the Spouses and Children of Servicemembers’ covered by TSGLI?
No, spouses and children of Servicemembers’ are not protected under TSGLI in so much as it is a program specifically designed and available only to Servicemembers that are currently protected under SGLI.
Does the Servicemember have the option of declining benefits from TSGLI?
Due to the fact that TSGLI, as noted above, falls under the umbrella of SGLI, the only effective means of disallowing for any beneficial services from TSGLI is to simply opt out of insurance coverage under SGLI.
Does a Servicemember only have to demonstrate he or she has coverage under SGLI to qualify or be eligible for payment under TSGLI?
In addition to having existing coverage under SGLI, the Servicemember must comply with these additional eligibility requirements for TSGLI payment. The following eligibility prerequisites must ALL be met in order to receive any compensation under TSGLI:
- 1) In accordance with the schedule of losses as provided under the TSGLI handbook, the Servicemember must have sustained a traumatic injury that was irrefutably the direct cause of the scheduled loss.
- 2) From the time of the traumatic injury, the Servicemember must survive for the subsequent seven days in its entirety which does not end until 168 hours after the incident in question.
- 3) The Servicemember must have suffered the applicable and qualifying scheduled loss at any time before twelve o’clock, or midnight, of the day of separation from active service.
- 4) Any scheduled loss having resulted from a traumatic event must have occurred inside of a two year window, or not to exceed 730 days following the traumatic injury.
- 5) The Servicemember must have been actively covered by SGLI at the time of the traumatic injury, and occur on or following the date of December 1, 2005. ** Except as stated above, should the traumatic injury be sustained between October 7, 2001, and November 30, 2005, the Servicemember need not show proof of coverage under SGLI.
Can Servicemembers be insured by both TSGLI and VGLI simultaneously?
The Department of Veteran’s Affairs is the predominant administer of both VGLI, or Veterans Group Life Insurance, and TSGLI; the programs can run consecutively but not simultaneously. To rephrase, the VGLI for all intents and purposes, takes over once a Servicemember has been officially released from service.
Does TSGLI have any limitations on the kinds of traumatic injuries that are covered?
Yes, there are some guidelines and additional criteria that must be complied with in order to receive compensation from TSGLI. For additional insight into any limitations please call (719) 648-6230.
Does the Servicemember have to be active duty at the time of submitting a claim?
The Servicemember does not need to be in active duty or military service in order to apply for the benefit claimed and may file a claim even after being discharged from military service; rather the traumatic event must have occurred while in uniformed service, Active Duty, and/or including the National Guard or Reserves.
For the Servicemembers whose traumatic injuries occurred prior to the implementation of the TSGLI program, what recourse is available to them?
Again, as enumerated above, since the passing of subsequent Amendments, it is now possible for Servicemembers who suffered a scheduled loss due to a traumatic injury, can file a claim and receive compensation retroactive as applicable to their trauma despite its occurring prior to TSGLI.
What is available to the Servicemember should their claim be denied?
The Servicemember has the option of appealing a denial in accordance with the TSGLI guidelines, which include in part, that any appeal must be filed with the appropriate branch of service within twelve months of the date of denial, and must be executed in writing.
Payment of TSGLI Benefits
Who Is The Beneficiary Of TSGLI?
The Service member is the automatic beneficiary that receives the benefit of the TSGLI insurance policy. In the situation that the member is incapacitated, the payment will be on behalf of the service member but received by the member’s legal guardian, power of attorney, or military trustee.
Is TSGLI Payable If The Service Member Dies As A Result Of The Traumatic Injury?
The TSGLI benefit is payable under certain conditions if the member has died. The member must have survived 168 hours after the qualifying loss before the benefit is paid. The qualifying benefit payment would be received by the SGLI beneficiary or family member with legal guardianship and/or power of attorney rights.
Does payment of TSGLI benefits reduce the amount of SGLI payable at the time of the Service member’s death?
No, TSGLI benefit payments awarded to Service members has no determination on the amount of SGLI benefit payment.
Who Will Receive the TSGLI Benefit if the Service Member is Deceased?
If the Service member is deceased, the TSGLI payment will be made to the service member’s SGLI beneficiary or family member with legal guardianship/power of attorney rights.
How Is The TSGLI Benefit Paid?
TSGLI payments will be made by one of the following methods:
- 1. Check – Lump Sum
- 2. Alliance Account – Lump Sum
- 3. Electronic Funds Transfer
- a. Lump Sum – Check – Under this option, the Service member’s guardian or attorney-in-fact will receive a single check on behalf of the Service member for the full TSGLI benefit payable. This option is available only to the Service member’s guardian or power of attorney.
- b. Lump Sum – Prudential’s Alliance Account – An Alliance Account is an interest-bearing draft account established in the member’s name with a draft book. The member can write drafts (“checks”) for any amount up to the full amount of the proceeds. This gives the member time to make important financial decisions, while their funds are secure and earn continuous interest. There are no monthly service fees or per check charges and additional checks can be ordered at no cost, but fees apply for some special services including returned checks, stop payment orders and copies of statements/checks.
- c. Electronic Funds Transfer (EFT) – Under this option, the TSGLI payment is electronically credited to the bank account specified by the Service member. This option is available to the Service member or the member’s legal guardian.
Is The TSGLI Benefit Taxable?
The TSGLI benefit payment is not taxable.
Does The Member Have To Use The TSGLI Benefit To Assist With Recovery From Their Traumatic Injury?
The Service member may use their TSGLI payment anyway the member chooses.
Is Beneficiary Financial Counseling Available To TSGLI Claimants?
Yes. TSGLI beneficiaries are offered financial advice, at no additional cost, thru Beneficiary Financial Counseling Services (BFCS) Program.
Changes to the TSGLI Program
I heard that there are changes to the TSGLI program. Is this true?
There have been several changes implemented since the origin of the TSGLI program. Changes have included but are not limited to qualifying injuries, scheduled and qualifying losses, injury location guidelines, and SGLI insured service member.
Please contact the member’s branch of service for detailed information or refer to your local Veterans’ Affairs office.
Do the program changes include covering Post-Traumatic Stress Disorder?
No, TSGLI scheduled losses does not cover mental or physical illnesses or diseases. Post Traumatic Stress Disorder is considered a mental illness or disorder and has not been listed as a scheduled loss.
Who will make the decision on my TSGLI claim if I apply based on the program changes?
The service member’s uniformed branch of service TSGLI office will determine eligibility of TSGLI benefit based on the program changes and program guidelines and criteria.
I believe I may be eligible for a TSGLI payment based on the program changes. How do I file a claim? And where can I obtain more information on doing so?
File a claim utilizing the most recent TSGLI application template or form SGLV-8600, that allows documentation of your qualified loss under program guidelines. The application should be submitted to the member’s branch of service TSGLI office. Contact your branch of service or Veteran Affairs local office for more information regarding claim submission and filing.
I filed a TSGLI claim and was denied. Now that the OEF/OIF requirement is being removed, I believe I may now qualify. Do I have to re-file my claim?
Your claim will need to be submitted or re-filed to the TSGLI office of each member’s individual branch of service.
Do I still forfeit my Combat Injury Pay if I file a TSGLI claim?
No, the Combat-related Injury Rehabilitation Pay Program (CIP) was terminated on May 15, 2008 and has been replaced by the Pay and Allowances Continuation Program (PAC). Unlike CIP, the PAC program is not linked in any way to the TSGLI Program. The CIP Program payments of $430 per month ended when a Service member received a TSGLI payment. The new PAC Program has no such limitation. All of a Service member’s incentive pays, bonuses, or similar benefits, and the incidental and expense portion of the temporary duty allowance for members deployed in a combat operation or combat zone may continue or resume for up to one year following initial hospitalization for treatment of a wound, injury, or illness incurred in the line of duty while serving in a combat operation or combat zone, while serving in a hostile fire area, or while exposed to a hostile fire event.
We have experienced attorneys nationwide that are highly knowledgeable of governmental regulations and military insurance proceedings. We’ll fight for you to get the injury protection you deserve and have been wrongfully denied of. We promise to pursue your claim aggressively and to be relentless advocates for you, the victim. We’re dedicated to using our skill and experience to get you the best possible outcome for your TSGLI claim.
If you or a loved one has been the victim of a traumatic injury and is a member of our military, we can help with your TSGLI claim. Call 1-800-934-4529 or contact us online for Free Advice from an experienced TSGLI attorney.
Please feel free to take a look at the class action lawsuit that we have recently filed on behalf of affected service members.
See Our team to learn more about our exceptional qualifications.
YOUR TSGLI TEAM
The following people at William Muhr, Attorneys & Counselors At Law, LLP will effectively handle your TSGLI claim:
William Muhr, Esq. Former Certified Military Judge with 24 years of honorable military service. He graduated from Temple University School of Law in Philadelphia, PA in 1985 and has handled thousands of personal injury and military claims since 1985. He also attended the University of Virginia, Charlottesville Virginia where he obtained his training and certification as a military judge. Email: email@example.com. Please feel free to call Mr. Muhr at any time on his personal cell phone: 719-648-6230 or at his law firm: 1-800-934-4529 (4 LAW)
Marizza Plaza-Lopez, Esq. Ms. Lopez obtained her Masters of Education, summa cum laude, at the University of Texas. Ms. Lopez received her Juris Doctorate law degree from the distinguished J. Reuben Clark Law School in 2004 in Provo, Utah. Ms. Lopez was awarded the J. Reuben Clark Faculty Award for Meritorious Achievement and Distinguished Service. She has served as an adjunct professor at the University of Texas for many years at the University of Texas where she has taught advanced college courses in the areas of Business Law and Legal Ethics. She has also worked for several years as a distinguished law clerk for Honorable Jose E. Troche. Ms. Lopez is also a certified bilingual mediator and can speak fluent Spanish. Ms. Lopez currently devotes her full time practice handling only TSGLI claims with William Muhr, Attorneys & Counselors At Law, LLP and manages a staff of legal assistants who exclusively handle TSGLI claims. Email: firstname.lastname@example.org
Ms. Kim Welch obtained her Juris Doctorate (Law Degree) from top-rated University of Las Vegas (UNLV) in 2004. She is licensed in both Nevada and Colorado. Before obtaining her law degree she worked as a full-time paralegal for ten years and she served as a law clerk for three years. Ms. Welch now has over 20 years of invaluable legal experience in negotiating millions of dollars of personal injury settlements with insurance and claims adjusters and she will be assigned to your experienced team of attorneys, including William Muhr, Esq., who will promptly obtain the very best settlement that is achievable for you and your family. Ms. Welch is a distinguished attorney with extensive litigation experience. Ms. Welch has been selected by Super Lawyers as a Mountain States Rising Star 2012, an honor reserved for those lawyers who have shown excellence in practice. Super Lawyers is a rating service of outstanding lawyers who have attained a high degree of peer recognition and professional achievement. No more than 2.5 percent of lawyers are named to the Rising Stars list. She also graduated 12th in her class at UNLV, one of the country’s top 100 law schools. Email: email@example.com
Get our experience and resources on your side. Call 1-800-934-4529.